Citibank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | CitibankCiti Accelerate Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.26% - 3.46% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $5000 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | The regular savings or money market APY may be boosted up to 3.46% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Citibank vs. UFB Direct
As of Citibank offers an APY of 3.30% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
UFB Direct pays $16 more than Citibank on a $10,000 balance after one year. Citibank pays $330, while UFB Direct pays $346 - an APY advantage for UFB Direct.
In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account, with a minimum balance of $0.01, while UFB Direct offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Citibank?
- ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)
- ✓Higher rated Android app (4.8 vs 4.3)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher potential APY (3.26%-3.46% vs 3.30%) (requires checking bundle & direct deposit)
- ✓Offers 2 different high-yield savings options
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $346 vs $330/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $865 vs $825/yr).
Best for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $16 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Citibank offers the Citi Accelerate Savings account with a competitive APY of 3.30%, available to customers in select states. The account has no minimum deposit requirement and waives the maintenance fee with an average monthly balance over $500. In contrast, UFB Direct's UFB Checking and Savings Bundle provides a higher APY of 3.46% but requires a checking account, a minimum deposit of $5,000, and a balance of $10,000 to achieve this rate. While both banks offer online-only services, UFB Direct's bundle may yield better returns for those willing to meet the conditions, especially for larger deposits.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Citibank vs. UFB Direct Savings Calculator
You earn $16 more with UFB Direct than Citibank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Citibank
Citi Accelerate Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citibank | UFB Direct |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.10%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | Citi Accelerate Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0.01 | $10,000 |
| Monthly Fee | $4.50. Waived for average monthly balances > $500 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.8 Android4.3 |
| Zelle® Support | Available Limit: $2,500/dayTiered limits based on account status (Citigold higher). | Not Supported |
| BBB Rating | D- | A+ |
| Important Notes | Eligibility restricted to select states. | The regular savings or money market APY may be boosted up to 3.46% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | Visit SiteVerify at Citibank Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citibank | UFB Direct | ||
|---|---|---|---|---|
| Citi® Savings Account | Citi Accelerate Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 0.03% | 3.30% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -4.8 | -6.3 | -5.8 |
Days Since Change | 344 | 50 | 1 | 1 |
11-Month High | 0.03% | 3.80% | 4.21% | 4.01% |
11-Month Low | 0.03% | 3.30% | 3.46% | 3.26% |
Adjustments / Mo | 0.00 | 0.52 | 0.43 | 0.43 |
Volatility Score | 0.000 | 0.048 | 0.060 | 0.062 |
How to read these metrics(Click to expand)
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